Loan Limits / California / Los Angeles County
2026 Loan Limits · California · LOS ANGELES-LONG BEACH-ANAHEIM, CA
Los Angeles County, CA.
2026 conforming and FHA loan limits, calibrated to a median sales price of $1,300,000. This county is designated high-cost — conforming limits exceed the national baseline.
Median Sales Price
$1,300,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$1,249,125
High-cost
FHA 1u Limit
$1,249,125
Ceiling
Jumbo Threshold
> $1,249,125
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
High-cost| 1-unit (single-family) | $1,249,125 |
| 2-unit (duplex) | $1,599,375 |
| 3-unit (triplex) | $1,933,200 |
| 4-unit (fourplex) | $2,402,625 |
FHA Forward (203b)
Ceiling| 1-unit (single-family) | $1,249,125 |
| 2-unit (duplex) | $1,599,375 |
| 3-unit (triplex) | $1,933,200 |
| 4-unit (fourplex) | $2,402,625 |
About this county
About Los Angeles County
Los Angeles County, sometimes abbreviated as LA County, is the most populous county in the United States, with 9,694,934 residents estimated in 2025. Its population is greater than that of 40 individual U.S. states. Comprising 88 incorporated cities and 101 unincorporated areas within a total area of 4,083 square miles (10,570 km2), it accommodates more than a quarter of Californians and is one of the most ethnically diverse U.S. counties. The county's seat, Los Angeles, is the second-most populous city in the United States, with 3,878,704 residents estimated in 2024. The county is globally known as the home of the U.S. motion picture industry since its inception in the early 20th century. Read more on Wikipedia →
Population
9,848,406
U.S. Census ACS 2023
Median Household Income
$87,760
U.S. Census ACS 2023
Median Home Value (Census)
$783,300
Owner-occupied · ACS 2023
Owner-Occupancy Rate
46%
Of occupied housing
What these limits mean for buyers in Los Angeles County
The 2026 conforming 1-unit limit for Los Angeles County is $1,249,125. Loans at or below this amount can be sold by the originating lender to Fannie Mae or Freddie Mac, which keeps pricing tight and underwriting consistent. Because Los Angeles County is designated a high-cost area, the limit exceeds the national baseline of $832,750.
For FHA financing, the 2026 1-unit limit is $1,249,125. The HUD CHUMS table pegs the median sales price for Los Angeles County at $1,300,000. Los Angeles County is in HUD's FHA high-cost tier — its limit sits between the national floor of $541,287 and the ceiling of $1,249,125, calculated as 115% of the area median.
Practical takeaway. The median sales price in Los Angeles County ($1,300,000) is above the conforming limit. A typical median-priced purchase here will be a jumbo loan unless the down payment is large enough to bring the loan amount inside conforming territory. We underwrite jumbo regularly.
How the limits are set
Conforming limits come from the Federal Housing Finance Agency (FHFA), which adjusts them each year based on changes in the FHFA Housing Price Index. FHA limits come from HUD: the national floor is $541,287 (65% of conforming baseline), the ceiling is $1,249,125 (150% of conforming baseline), and counties between are calculated as 115% of the area median sales price.
Multi-unit and house-hacking math
Los Angeles County 2-, 3-, and 4-unit conforming limits are $1,599,375, $1,933,200, and $2,402,625 respectively. If you're house-hacking — owner-occupying one unit of a 2-4 unit property — these are the limits that matter, and the rental income on the other units can be used to qualify. FHA and VA both finance owner-occupied 2-4 unit properties at their own multi-unit limits.
Limits effective 2026 per HUD CHUMS publication. Sourced GSE and FHA files. Generated 2026-04-26.
Buying in Los Angeles County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.